Use specific reasons and examples to support your opinion.

1. Question 4. Is it better to enjoy your money when you earn it, or is it better to save your money for some time in the future? Use specific reasons and examples to support your opinion.

2. 1. Troy Lund • it’s certainly important to save money for the future • it’s also important to have a good time while you’re here and enjoy some of the fruits of your labor.

3. 2. Arroe Collins • If you don’t save for the future, how do you expect to invest in the future?

4. 3. Eric Medler • I believe that it is good to, if you work really hard, spend a little bit of your money. • I do also believe that it’s important to set stuff away. • So I believe a little bit of both. • I believe it’s good to enjoy your money when you earn it, but I also believe that it’s important that you put some of that money away for the future.

5. 4. Bernie Beamon • I think it’s a combination – I think you need to have a combination of both, because you definitely gotta save for the future ‘cause you don’t know what’s gonna happen.

6. 5. De Niro • I think it’s really important to save your money. • There may be a day when you lose your job, or you get sick or hurt on the job, and you need to have a little cushion to fall back on.

7. 6. Morgan Barnhart • I enjoy my money, but I put a little bit away. • I always put about thirty or forty dollars of whatever comes in into savings. • I want to enjoy it but I will still save money just in case anything happens in the future, I’ll have that available to me.

8. 7. Shelby Lanier • I believe in the philosophy that you should save at least 10 to 15% of your income for retirement purposes. • I think we live in a society today where many people spend a lot more than they earn and they end up in debt, and that gets them into financial trouble.

9. 8. Daniel G • I have always been a firm believer that it is better to save your money for your future, and not spend it or over-enjoy it right away. • It is also wise to save your money for unexpected expenses which always come up, usually when you least expect it .

10. 9.Danielle Fornes • I’m definitely of the mind that it’s better to save your money for some time in the future. • I think it’s okay to enjoy your money a little bit when you earn it, maybe you treat yourself after you’ve done something really great.

11. COMPLETE ANSWERS

12. 1. Troy Lund • Well, I believe that it is...it’s certainly important to save money for the future, to think about what’s going to happen when you can no longer work and actually produce income. You need to have security, especially in the world that we live in today. However, you know, you never know how long you’re going to live, so it’s also important to have a good time while you’re here and enjoy some of the fruits of your labor.

13. 2. Arroe Collins • Money? You can spend it all right now and have the time of your life. And then one day, you’re gonna open up your eyes and you’re gonna realize you have nothing. If you don’t save for the future, how do you expect to invest in the future? Jokingly, I always tell people that I work every day as hard as I can, because I don’t want to be the person that’s going to eat the cheap cat food. I, at least, wanna have a choice. And I’m gonna get that choice because I am dedicated to quality.

14. 3. Eric Medler • This, I believe, that...both, actually. I believe that it is good to, if you work really hard, spend a little bit of your money. Get something that you want. But I do also believe that it’s important to set stuff away. The reasons why I feel that way is...if you work really hard, you spend a lot of time working at something to get that paycheck, or to earn that money. You should reward yourself. The money itself is the reward for the job, but you should reward yourself for a little bit of that effort that, you know, for the effort that you put in to doing the work. I’m not saying you should blow it all on candy bars or bars or going out, but I am saying that you should reward yourself somehow, but also try and sock some of that money away, so that when it does come time that you need that little bit of extra cash, you’re not in a panic. So I believe a little bit of both. I believe it’s good to enjoy your money when you earn it, but I also believe that it’s important that you put some of that money away for the future. You never know when a rainy day’s gonna happen and if you’re gonna need that money, be nice to know if you had a little bit set aside to take care of you during the tough times.

15. 4. Bernie Beamon • I think it’s a combination – I think you need to have a combination of both, because you definitely gotta save for the future ‘cause you don’t know what’s gonna happen. The academy could go bad, you could lose your job, so you wanna have some money set aside and saved up. But you also – you gotta enjoy your life, too, you gotta...you know, go out and have a good time every now and then or you’ll just go nuts.

16. 5. De Niro • I think it’s really important to save your money. Most people don’t. And that’s why everything is a big mess today. People have credit cards that have huge amounts and balances left on them. They don’t have enough money to pay their mortgages or their rent, or some people don’t even have enough money to pay for food. And it isn’t because they’re not working; they work, but they just spend everything they make, and they never save for a rainy day. There may be a day when you lose your job, or you get sick or hurt on the job, and you need to have a little cushion to fall back on. Or maybe you just need to learn to save for things before you buy them. People go out and buy things first that they can’t afford, and then pay for them later. It’s better to save your money first, and then go out and buy what you want. And I think that’s really an important thing to do.

17. 6. Morgan Barnhart • Is it better to enjoy your money when you earn it, or is it better to save your money for sometime in the future? I do both. I enjoy my money, but I put a little bit away. I always put about thirty or forty dollars of whatever comes in into savings, but the rest of that I enjoy, because money will come and go but I want to live my life and I want to enjoy the things that I can spend that money on like going out and eating or, you know, going to explore the outdoors or, you know...whatever I do with that money, I want to enjoy it but I will still save money just in case anything happens in the future, I’ll have that available to me.

18. 7. Shelby Lanier • I believe in the philosophy that you should save at least 10 to 15% of your income for retirement purposes, and then of course save for other reasons as well, whether it be a purchase or buying a home or sending a child to college or something in that respect. But again, it goes back to the uh...the ability to manage money and it...it really depends on how much you make, and it depends on how much debt that you think you can handle, but there definitely has to be a balance between saving and spending. I think we live in a society today where many people spend a lot more than they earn and they end up in debt, and that gets them into financial trouble. The key is to make sure that you’re not living outside of your means, and you’re not spending more than you make; or, if you do spend more than you make, you give yourself time to make up for that and pay those debts off.

19. 8. Daniel G • I have always been a firm believer that it is better to save your money for your future, and not spend it or over-enjoy it right away. I like to make plans for my life and what I want to do with my life in the future, such as buying a car, or purchasing a house, and other things to have in life. However, it is also wise to save your money for unexpected expenses which always come up, usually when you least expect it – such as if your car breaks down or you need to make an urgent repair to your home, your roof develops a leak, or something goes wrong with your furnace, you need to have money available and not have wasted it, so saving money for my future has saved me many times. Now there is a saying, “save your money for a rainy day”, well, rainy days happen in life and this strategy of saving money for the future has saved me many times and reduces stress in my life as well, because if something goes wrong, I know I’ve got the money there to make it right.

20. 9.Danielle Fornes • I’m definitely of the mind that it’s better to save your money for some time in the future. I think it’s okay to enjoy your money a little bit when you earn it, maybe you treat yourself after you’ve done something really great. You get a bonus from work, maybe you go buy yourself a present, but I think in general, it’s better to save your money for some time in the future. You never know what’s going to happen, something...you could get sick, something could happen to your car, I hit a deer this year and was glad that I had money saved up for that; you just never know, so I think it’s better to save your money for sometime in the future.